Il card theft it is one of the most widespread crimes in the world, both online and through more “classic” channels.
On the net, however, according to data, this type of crime seems to be particularly comfortable. In 2016, in fact, this type of online theft constituted the 77% of all card fraud in the Single Euro Payments Area (SEPA).
Despite the thefts at ATMs e stores concrete dangers remain, together they resulted in less than a quarter of the recorded cases (respectively 3% e 20%), according to the data proposed on the occasion of the Card Fraud Report 2020 from the European Central Bank (ECB).
To confirm this trend, then, there is even theInterpolaccording to which “There are crimes related to payment cards, ATMs and payment systems such as point-of-sale terminals. The prevalence of online payments has given criminals a huge boost by offering them new possibilities. In addition to card theft, criminals use various methods to acquire data, and the theft is often discovered when it is too late. This data can be used to make fake cards or to commit fraud without the physical presence of the card“.
Between skimming and phishing: how criminals steal your card
Criminals usually operate in two different ways to steal cards (or valuable card data) from victims.
The most classic technique is the skimming. We talk about modifications and manipulations a POS o ATM, if not of the nearby cameras application. The objective, of course, is to capture the card number, the user’s name and the codes for using it. The intrusion into card readers can take place both physically (with manual technical interventions) and with malware or more sophisticated systems.
In the online context, however, the phishing. This practice involves attracting potential victims, through e-mail, to reach sites with forms to be filled in with card details.
Through persuasive emails and exploiting some famous brands (cases in which they are involved are not uncommon Dropbox, Microsoft e Apple), cybercriminals trick you into offering them your card information on a silver platter.
While skimming is difficult to prevent, phishing requires a bit of caution. Be wary of suspicious emailsto relatives link and to potentials attachmentsis now almost a must. Always verify a site’s URLeven if graphically reassuring, it is another way to avoid the loss of the card (and of the money associated with it).